>> guest: new york city from what i read your understand they do not have an athletic insurance through the national flood insurance program but they anticipate asking the federal government for help with disaster released for those transit programs. >> host: would a city have private insurance as well? >> they could. municipalities to purchase insurance but it will likely not cover flood insurance or flood damage 87 john prible is our guest vice president. the number -- will begin with frank from florida. >> caller: good morning. cents a live in a flood zone. i am familiar with fema that does not cover anything on the first floor except equipment losses those people suffered a one story home probably will not be covered. then there is a limit on the amount of insurance you can get that limits liability. also what about the homes that burned down? >> host: thank you. >> guest: you are correct the contents of the structure in the basement air generally not covered but the first floor is covered. might experience in new jersey or friends or family that lived on the jersey shore it is terr